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Articles for Individuals

Whether you’re just starting out, are well into a career and a life that you love, or are heading into retirement, read on for ideas and products that can help you in every stage of life.

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Life insurance decoded: How health and other factors affect your pricing

Most people understand the value of life insurance—you pay for it while you’re alive to protect your loved ones after you’re gone. But many people don’t understand how their health and lifestyle choices may affect their life insurance costs.

Prepare for your future

When you’re just starting your career, you’re probably not thinking about retirement or life insurance. But this is the ideal time to start putting money toward your future and protecting your finances. Here are three things you should consider doing now.

Is life insurance right for me?

There are a number of ways people use life insurance that go beyond protecting loved ones. Here’s a closer look.

Are annuities right for me?

Chances are, you’ve heard of annuities. While most annuities share the same general idea—you put money in, your money grows tax-deferred, you get your money back—they are not all the same, and their features vary by product and insurance company. Here’s a quick introduction.

Joining “The Great Resignation?” Keep your retirement assets working!

Millions of Americans have voluntarily left their jobs as part of “The Great Resignation.” If you’re part of it or considering it, don’t forget about your accrued retirement savings. Here’s what happens to your 401(k) if you quit—and what you can do to keep your money working.

How inflation erodes your financial security

When projecting your annual retirement income needs, one key variable to consider is how inflation—increases in the cost of living—will affect your future income. The loss of purchasing power as higher costs eat into your savings is one of the most significant risks facing retirees. Here are some important facts about inflation in retirement.

Rising interest rates can add risk to retirement saving

Fixed income investments such as bonds can play an important role in your portfolio. They’re even more critical if you are retired and seeking to generate income from your investments. But what happens to bonds when interest rates rise?

Why women save less for retirement, and strategies that can help

When it comes to retirement planning, women tend to save less money than men. But they also tend to outlive men and are more likely to live alone in their golden years, so they may need to do more to ensure their financial security.

Are income annuities in your early retirement plan?

For many Americans, retiring early is an ambitious but achievable goal. To ensure you have income in retirement that meets your spending needs, income annuities can play a role.

Tax-deferred annuities keep more of your money at work

Every year in April, income taxes take center stage. While taxes may be unavoidable for most Americans, some financial products and investments—including annuities—may be more tax-advantaged than others.

Annuities explained: Get the basics

Annuities can help solve a variety of financial needs, including guaranteed income in retirement. But they can also be complicated, and there are different types to choose from. If you’re thinking about retirement, here are some basic facts about annuities to help you get started.

Where will your retirement income come from?

For most Americans, retirement income will come from three sources: employer-sponsored retirement programs, savings/investments and Social Security. But will you have all three? Not necessarily. Take a look at some additional options for retirement income.

Demystifying annuities

For people seeking guaranteed income in retirement, one of the most effective products available today is also one of the most misunderstood. Let’s face it, annuities have been given a pretty bad rap over the years, and it’s time to clear things up.

Rising rates can get you down

Conservative strategies often rely on “fixed income” investments such as bonds or bond funds to provide stability in a retirement portfolio. But they are not without risk, and a key risk to be aware of is rising interest rates. Here’s why.

Will inflation take the air out of your retirement savings?

Our life expectancies are increasing, which means you could spend up to 30 years or more in retirement. If your retirement money can’t keep up with inflation throughout that time, it will lose its buying power. That’s one reason you may want to consider a fixed indexed annuity (FIA).

Inflation and interest rates: Why now and why it matters

Inflation is the talk of the times, with everything from utilities to clothes to groceries rising in cost at levels not seen in decades. To make matters more complicated, interest rates are now rising as a countermeasure. If you’re wondering how inflation works, why interest rates rise, and why it’s all happening now, here’s a high-level view.

Five easy ways to improve your wellness

Now, more than ever, it’s important to prioritize your well-being. Here are five easy ways to improve your wellness.

Self-care for caregivers: Your own needs matter too

As America’s boomer generation gets older, more adult children are finding themselves in the role of caregivers for their aging parents. Caregiving can be a rewarding but challenging role, so here are some self-care tips to remember.

Five mindfulness techniques to reduce stress quickly

Stress may be impossible to eliminate, but you can learn to manage it.

Three steps to help you find a mental health provider

Prioritizing your mental health is an increasingly important step in self-care, but finding the right provider to meet your needs can be daunting. Here are three tips to facilitate your search.

Eight milestones that may change your insurance needs

Common life events and milestones might trigger the need for life insurance or a change to existing life insurance.

Five ways to save during inflation

Inflation happens, but there are ways to save when prices are on the rise. Discover five tips to help you save in inflationary periods.

Lessons for a lifetime: How to talk to children about money

Learn tips to help teach financial literacy to your children—what to say, how to say it, and how to access financial education tools to tailor the best approach for your family and situation.

Health as wealth—the balance between fitness and finance

Finance and fitness are related, and they play instrumental roles in bringing stability to your life. That’s why investing in your fitness pays off in both your physical and financial well-being.

Practicing self-care on a budget

Self-care is essential to your overall well-being—and it doesn’t require a lot of money. Learn to practice self-care on a budget with these easy steps.

Is your life insurance policy still working for you?

Anytime a life change occurs, a “policy review” with your insurance professional can help ensure your coverage still suits your needs.

Five myths about life insurance costs and coverage

Life insurance is an important financial tool for protecting your loved ones, but myths and misconceptions about costs and eligibility may prevent people from pursuing their options. Here are five myths about life insurance costs and coverage so you know what to expect.

Divorcing? Keep your life insurance in mind

Amid the custody issues, dividing of assets, and adjusting to a new life, sorting out life insurance after a divorce may not be top-of-mind. But it is important to think about, particularly for couples with children. Here are some life insurance considerations during and after a divorce.

Five tips for working women to cope with COVID-19 challenges

It’s normal to feel anxious and worried during a pandemic. Here are five tips that will help you cope with the demands of balancing responsibilities at home and work.